JP7150968B1 - Provision device, provision method and provision program - Google Patents

Abstract

An object of the present invention is to improve convenience for users and businesses. A providing device according to the present application includes a reception unit that receives information about a prize including information about the price of the prize provided to the user from a store where the user makes a payment; and a determination unit that determines a charge amount for the store based on the information regarding the price if a prescribed condition is satisfied. [Selection drawing] Fig. 12

Description

The present invention relates to a provision device, a provision method, and a provision program.

Conventionally, techniques for providing services aimed at attracting users to shops are known. As an example of such technology, a technology has been proposed that provides users with services related to computerized stamps in shopping services.

JP 2019-219962 A JP 2016-106286 A

However, the conventional technology described above is not always convenient for business operators. For example, a business operator may be charged a fee for using an electronic payment service with an amount different from the business operator's assumption. In this case, there is a risk of impairing the convenience of the business operator.

The present application has been made in view of the above, and aims to provide a providing device, a providing method, and a providing program that improve convenience for business operators.

The providing device according to the present application includes a receiving unit that receives information on prizes including information on the price of the prizes provided to the user from the store where the user makes the payment, and a predetermined and a determination unit that determines a charge amount for the store based on the information regarding the price if the condition of is satisfied.

According to one aspect of the embodiment, there is an effect that the convenience for business operators can be improved.

FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. FIG. 2 is a diagram illustrating an example of a screen of a user terminal according to the embodiment; FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 4 is a diagram showing an example of an account database according to the embodiment. FIG. 5 is a diagram showing an example of a stamp card information database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a diagram illustrating an example of a business operator information database according to the embodiment; FIG. 8 is a diagram illustrating an example of a billing information database according to the embodiment; FIG. 9 is a diagram illustrating an example of screens of a provider terminal and a user terminal according to the embodiment; FIG. 10 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment. FIG. 11 is a diagram illustrating an example of information processing according to the modification. FIG. 12 is a diagram showing a configuration example of a settlement server according to a modification. FIG. 13 is a diagram showing an example of a stamp card information database according to a modification. FIG. 14 is a diagram showing an example of a billing information database according to a modification. FIG. 15 is a diagram showing an example of a price determination database according to a modification. FIG. 16 is a diagram showing an example of screens of the provider terminal and the user terminal according to the modification. FIG. 17 is a flowchart illustrating an example of the procedure of price determination processing according to the modification. FIG. 18 is a diagram showing another example of a billing amount calculation method according to the modification. FIG. 19 is a diagram showing an example of cost information according to the modification. FIG. 20 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the provision device, the provision method, and the provision program (hereinafter referred to as "embodiments") according to the present application will be described in detail below with reference to the drawings. Note that the provision device, the provision method, and the provision program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
The providing process realized by the providing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. Note that in FIG. 1, the provision processing and the like according to the embodiment are realized by the settlement server 10, which is an example of the provision device according to the present embodiment.

As shown in FIG. 1, the provision processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a business operator terminal 200. The payment server 10, the user terminal 100, and the business terminal 200 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 3, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. The provision processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of business operator terminals 200. FIG.

A settlement server 10 shown in FIG. 1 is an information processing device that executes provision processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

A business operator terminal 200 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The business terminal 200 is realized by, for example, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the operator terminal 200 displays information delivered by the settlement server 10 using a web browser or an application. Note that the example shown in FIG. 1 shows a case where the business terminal 200 is a smart phone.

When the user terminal 100 and the business operator terminal 200 receive control information for realizing predetermined information processing from the settlement server 10, the user terminal 100 and the business terminal 200 implement the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the providing process executed by the payment server 10. FIG. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicating the store identification information C1 for identifying the store A. An example of settlement using the user terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code, but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store A clerk. Then, the user terminal 100 stores user identification information that identifies the user U1, and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (for example, store ID)). , and the settlement amount are sent to the settlement server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, the payment using the user terminal 100 may be made using a store terminal installed in the store A. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the user terminal 100, and reads the user identification information (or information indicated by the user identification information, that is, the user U1). (for example, a user ID)), the amount of payment, and information identifying the store A are transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A, and transfers it to the store terminal of the store A or the user. The terminal 100 may be notified that the payment has been made by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U1 to an account of the store A, but also a credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 may transfer electronic money for the settlement amount to the account of the store A, and may request the settlement amount from the credit card operating company of the user U1. .

[1-2. Overview of Embodiment]
Here, conventionally, as a technology for providing services aimed at inducing users to visit stores, there has been proposed a technology for providing users with services related to computerized stamps in shopping services. However, in such a technique, since the stamp is only added according to the user's electronic commerce order to the store, the stamp cannot be added when the user conducts the commercial transaction at the physical store. It is not always convenient for users. In addition, if the user conducts a commercial transaction at a physical store, the business operator needs to separately issue a stamp card printed on a predetermined medium and add the stamp, which is convenient for the business operator as well. Not necessarily.

Therefore, the settlement server 10 executes provision processing according to the embodiment. The provision processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

Also, in the following description, an example in which the operator terminal 200 is used by the operator M1 will be shown. Also, in the following description, the operator terminal 200 may be identified with the operator M1. That is, the operator M1 can be read as the operator terminal 200 below.

Further, in the following description, the payment server 10 is an electronic stamp card that is linked to a shop where electronic payment is available, and stores information on the stamp card owned by each user in its own device. shall be managed by the department. For example, the settlement server 10 manages information indicating shops linked to stamp cards (in other words, shops where stamp cards can be used) and information indicating the number of stamps given to the stamp cards.

First, the business operator terminal 200 accepts from the business operator M1 settings related to the computerized stamp card provided by the store A to the user (step S1). For example, the operator terminal 200 displays a screen for starting a payment application (e.g., a payment application for the operator) in response to an operation from the operator M1 and inputting settings related to the stamp card. Accept input information. To give a specific example, the operator terminal 200 sets conditions for applying a stamp to a stamp card (for example, one stamp is given when the payment provision, etc.), provision conditions for providing benefits (for example, benefits are provided when many stamps are given), details of benefits (for example, predetermined goods provided by store A, cashback for electronic money, etc.) ) and other information.

Subsequently, the settlement server 10 receives information regarding stamp card settings from the operator terminal 200 (step S2). For example, the payment server 10 receives the information input in step S1, associates it with identification information (store ID) that identifies the store A, and stores the information in the storage unit of its own device.

Subsequently, the user U1 who visits the store A and receives a transaction object from the store A uses the user terminal 100 to read the store identification information C1 installed at the store A (step S3). For example, the user U1 activates a payment application pre-installed in the user terminal 100, and photographs the shop identification information C1 installed in the shop A via the payment application.

Subsequently, the user terminal 100 receives input of payment information from the user U1 (step S4). For example, the user terminal 100 displays a screen for inputting the price of the transaction object to be settled, and accepts the input of the payment amount from the user U1.

Subsequently, the payment server 10 receives payment information from the user terminal 100 (step S5). For example, the payment server 10 receives payment information including the shop ID of the shop A indicated by the shop identification information C1, the payment amount entered by the user U1, and the user ID of the user U1.

Subsequently, the payment server 10 executes payment processing based on the payment information, and adds a stamp to the stamp card of the store A owned by the user U1 based on the payment information (step S6). For example, the settlement server 10 transfers the electronic money equivalent to the settlement amount entered by the user U1 from the account of the user U1 to the account of the store A. Then, the settlement server 10 assigns the stamp set by the operator M1 to the stamp card linked to the store A (the stamp card based on the setting accepted in step S2) among the stamp cards owned by the user U1. A stamp is given based on the giving condition and the settlement amount. That is, the payment server 10 automatically adds a stamp to the stamp card linked to the store where the payment was made, triggered by the payment using the QR code (registered trademark).

If the user U1 does not own a stamp card linked to the store A, the settlement server 10 acquires the stamp card issued by the operator M1 and adds a stamp to the acquired stamp card. . If the user U1 does not own a stamp card linked to the store A, the settlement server 10 issues a new stamp card to the user U1 and adds a stamp to the issued stamp card. may be given. That is, even if the user U1 does not have a stamp card for the first transaction, the settlement server 10 can automatically acquire or issue a stamp card at the time of settlement and add a stamp to the stamp card. .

Specifically, first, the payment server 10 determines whether or not there is a stamp card of the store A that is the object of payment among the stamp cards owned by the user U1. Next, if there is no stamp card for store A, the settlement server 10 refers to the database to determine whether or not store A, which is the object of settlement, provides a stamp card. That is, the settlement server 10 accepts not only stamp cards owned by the user U1, but also stamp cards provided by the store A that are not owned by the user U1. It is possible to specify and select the stamp card of the store A that has become the store A. Then, the payment server 10 provides the specified or selected stamp card with a number of stamps corresponding to the content of the payment, and provides the stamp card to the user. In this way, the payment server 10 identifies and selects the stamp card of the store A, which is the object of payment, from a plurality of stamp cards provided by various stores, and adds a stamp to the stamp card. and may be provided to the user U1.

Subsequently, the settlement server 10 causes the user terminal 100 to display information corresponding to the given stamp (step S7). For example, if the stamp given in step S6 does not satisfy the conditions for providing a benefit, the payment server 10 collects information about the stamp given to the stamp card linked to the store A (for example, the stamp given to the stamp display the screen SC1 showing the number of stamps completed).

On the other hand, if the stamp provided in step S6 satisfies the provision condition, the settlement server 10 provides the privilege set by the store A to the user U1, and displays a screen SC2 to the user terminal 100 indicating that the privilege has been provided. display. To give a specific example, the payment server 10 provides benefits (for example, a predetermined amount of discount, a predetermined amount of cash back, etc.) that are applied when the above electronic payment is made to the store A.

Subsequently, the settlement server 10 notifies information about the stamp given to the stamp card owned by the user U1 (step S8). For example, if the user U1 owns a stamp card whose number of stamps required to meet the privilege provision condition is equal to or less than a predetermined threshold value, the payment server 10 notifies that the provision condition is about to be met ( Push notification, etc.) is displayed on the user terminal 100 .

Subsequently, the settlement server 10 distributes content indicating the stamp card owned by the user U1 (step S9). For example, the settlement server 10 distributes to the user terminal 100 content indicating the number of stamps given to each stamp card owned by the user U1, the details of the benefits provided, and the like.

Note that the settlement server 10 may notify the information in step S8 at any timing. Also, the settlement server 10 may distribute the content in step S9 at any timing.

On the other hand, if the stamp given in step S6 satisfies the condition for providing the privilege, the settlement server 10 calculates the fee charged for the stamp card to the operator M1 (step S10). For example, the settlement server 10 calculates an amount corresponding to the amount of the privilege provided by the store A as the billing amount. That is, the settlement server 10 calculates the cost of the privilege provided by the store A and the amount of the privilege provided to the user (prize amount) as the billing amount. Moreover, the settlement server 10 may calculate a predetermined percentage of the premium amount as the billing amount.

In addition, the settlement server 10 accumulates the settlement amounts for which stamps are applied to the stamp cards that satisfy the conditions for providing the privilege of the store A among the stamp cards owned by the user U1, and adds up the cumulative settlement amount to a predetermined can also be calculated as the billing amount.

Subsequently, the settlement server 10 transmits billing information including the calculated billing amount to the operator terminal 200 (step S11). For example, the payment server 10 transmits the billing information including the billing amount, the total billing amount, the card ID of the stamp card, the shop ID, the user ID, the number of stamps, the content of the benefits, etc. to the operator terminal. 200.

Here, an example of information notified from the payment server 10 and content distributed from the payment server 10 will be described with reference to FIG. 2 . FIG. 2 is a diagram illustrating an example of a screen of a user terminal according to the embodiment;

As shown in FIG. 2, the user terminal 100 displays a screen SC11 showing information about stamps given to the stamp card owned by the user U1. For example, the user terminal 100 stores content indicating a stamp card whose number of stamps required to satisfy the condition for providing a privilege is equal to or less than a predetermined threshold value, the details of the privilege, and information indicating the store associated with the stamp card. It is displayed on the screen SC11.

Further, the user terminal 100 displays a screen SC12 including content indicating stamp cards owned by the user U1. For example, the user terminal 100 displays advertising information regarding stamp cards in the area AR11. In addition, the user terminal 100 displays, in the area AR12, content indicating the number of stamps given to the stamp card owned by the user U1, information indicating shops linked to the stamp card, details of benefits, and the like. .

As described above, the settlement server 10 according to the embodiment issues an electronic stamp card to a user, gives a stamp to the user, and provides benefits when conditions are met. As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without the user having to carry around a stamp card printed on a predetermined medium. That is, the settlement server 10 according to the embodiment can improve user convenience.

In addition, the settlement server 10 according to the embodiment issues an electronic stamp card to the user, gives the stamp, and if the conditions for providing the privilege are satisfied, the amount corresponding to the cost of the privilege is paid to the business operator. Calculated as a commission. As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without issuing a stamp card printed on a predetermined medium by the business operator. It is possible to calculate the stamp card fee as consideration for acquiring "fan users" who love the transaction target, and charge the business operator at the timing of acquiring fan users (timing of winning prizes). That is, the settlement server 10 according to the embodiment can improve convenience for businesses.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 3 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 3, the settlement server 10 has a communication section 20, a storage section 30, and a control section 40.

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the operator terminal 200, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 30 has an account database 31, a stamp card information database 32, a user information database 33, a business operator information database 34, and a billing information database 35.

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 4 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 4, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, FIG. 4 shows an example in which the information of the holder of the account identified by the account ID "AID#1" is "user #1" and the account balance is "7,800 yen".

(Regarding the stamp card information database 32)
The stamp card information database 32 stores various information related to stamp cards set by the business (store). An example of information stored in the stamp card information database 32 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of a stamp card information database according to the embodiment. In the example of FIG. 5, the stamp card information database 32 has items such as "enterprise ID" and "card information".

"Business ID" indicates identification information for identifying the business that set the stamp card (in other words, the business linked to the stamp card). "Card information" indicates information about a stamp card that the operator wants to set, and has items such as "card ID", "grant conditions", "provision conditions", and "privilege details". "Card ID" indicates identification information for identifying a stamp card. "Giving condition" indicates a condition for giving a stamp to the stamp card (for example, one stamp is given when the payment amount is more than a certain amount of yen, one stamp is given for each yen of the payment amount, etc.). "Provision condition" indicates a condition for providing a privilege (for example, a privilege is provided when how many stamps are provided). The "privilege content" indicates the details of the privilege provided to the user who satisfies the provision condition (for example, privilege name, privilege type, privilege offer price, privilege cost, privilege cost rate).

That is, in FIG. 5, the stamp card set by the operator identified by the operator ID "MID#1" is identified by the card ID "CID#1", and the condition for applying the stamp is "condition #1". An example in which the provision condition of the privilege is "providing condition #1" and the content of the privilege is "privilege content #1" is shown.

(Regarding the user information database 33)
The user information database 33 stores various information about users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 33 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 33 has items such as "user ID", "payment history", "usage history", and "stamp status".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients and payment amounts, for example. "Usage history" indicates the usage history of the electronic payment service and other various services. "Stamp application status" indicates information about stamps applied to the stamp card owned by the user, and has items such as "card ID" and "number of stamps", for example. "Card ID" indicates identification information for identifying the stamp card owned by the user. "Number of stamps" indicates the number of stamps given to the stamp card.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID #1" is identified by "payment history #1", and the usage history is identified by "usage history #1" and "CID #1". An example is shown in which a stamp card is owned and the number of stamps given to the stamp card is "4".

(Regarding the business operator information database 34)
The business operator information database 34 stores various types of information on the business operators of electronic payment services provided by the payment server 10 . Here, an example of information stored in the business operator information database 34 will be described with reference to FIG. FIG. 7 is a diagram illustrating an example of a business operator information database according to the embodiment; In the example of FIG. 7, the company information database 34 has items such as "company ID", "store information", and "store evaluation".

"Business ID" indicates identification information for identifying the business that has set the stamp card. "Store information" indicates information about the business operator (store) in general, and stores, for example, information such as the store address, presence/absence of affiliated stores, type of merchandise, size of store, average sales, and the like. "Store evaluation" indicates the user's evaluation of the store, for example, the user's post on the website, Stores the evaluation value.

That is, in FIG. 7, the shop information of the business operator identified by the business operator ID "MID#1" is "shop information #1", the shop evaluation is "shop evaluation #1", and the business operator ID "MID#2" is shown. , the store information of the business operator identified by " is "store information #2", and the store evaluation is "store evaluation #2".

(Regarding the billing information database 35)
The billing information database 35 stores information about billing to the electronic payment service providers provided by the payment server 10 . An example of information stored in the billing information database 35 will now be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a billing information database according to the embodiment; In the example of FIG. 8, the billing information database 35 has items such as "enterprise ID", "user ID", "accumulated settlement amount", and "charging amount".

"Business ID" indicates identification information for identifying the business of the settlement service to be charged. "User ID" indicates identification information for identifying the user of the payment service to be charged. The "accumulated payment amount" stores the cumulative value of the payment amount for the payment service calculated for each user. The "charging amount" stores the charging amount for the business operator calculated for each user or stamp card.

That is, in FIG. 8, as billing information for the operator identified by the operator ID "MID#1", the cumulative settlement amount identified by the user ID "UID#1" is "accumulated settlement amount #1", An example is shown in which the amount is "charging amount #1", the cumulative settlement amount identified by the user ID "UID #2" is "cumulative settlement amount #2", and the charging amount is "charging amount #2".

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes, as shown in FIG. and implements or executes the information processing functions and actions described below.

(Regarding the reception unit 41)
The accepting unit 41 accepts information about a stamp given to an electronic stamp card linked to a store where a user makes a payment. For example, the reception unit 41 receives a condition for providing the user U1 with a predetermined benefit related to the store A. In addition, the reception unit 41 receives payment information regarding payment for the store. For example, the reception unit 41 receives the payment amount indicated by the payment information. In addition, the reception unit 41 receives payment information regarding payment for a store, which is payment using a user terminal used by a user. At this time, the accepting unit 41 may accept payment information relating to payment using cash or payment information relating to payment by internet shopping, in addition to payment information relating to payment using the user terminal. Further, the reception unit 41 receives payment information including store identification information for identifying a store. For example, in the example of FIG. 1, the reception unit 41 uses payment information including the shop ID of the shop A indicated by the shop identification information C1, the payment amount entered by the user U1, and the user ID of the user U1. received from the user terminal 100.

Note that the reception unit 41 may receive payment information from the business operator terminal 200 . For example, when the user identification information for identifying the user displayed on the user terminal 100 is read by the operator terminal 200 (store terminal) and the payment is made, the reception unit 41 is received from the operator terminal 200.

In addition, the reception unit 41 is a request for provision of a transaction object to be provided at a predetermined store, and the payment for the provision request is made by the user via a predetermined platform that provides a predetermined payment means using a user terminal. Information may be accepted. For example, the reception unit 41 receives payment information regarding a request for providing products provided at a store via a pre-order service within a payment application installed on the user terminal 100 .

In addition, the receiving unit 41 may receive settings related to an electronic stamp card from a provider (enterprise) who provides a transaction target to the user. For example, in the example of FIG. 1, the reception unit 41 causes the operator terminal 200 to display a screen (contents) for inputting settings related to the stamp card, receives the information input on the screen, and stores the information in the stamp card information database 32. store in At this time, the reception unit 41 receives, as stamp card information, information about the price of the privilege indicated by the content of the privilege. Here, the information about the price of the privilege is, for example, the cost of the privilege, the cost rate, the amount of money provided, etc., but is not particularly limited.

Here, using FIG. 9, an example of a setting screen for inputting settings related to a stamp card is displayed on the operator terminal 200, and a stamp card based on the settings input on the screen is displayed on the user terminal 100. A displayed example is explained. FIG. 9 is a diagram illustrating an example of screens of a provider terminal and a user terminal according to the embodiment; In FIG. 9, it is assumed that the operator of store D inputs information on the setting screen.

First, a setting screen for inputting settings related to the stamp card will be described. As shown in FIG. 9, the operator terminal 200 displays a screen SC21 as a setting screen. For example, the operator terminal 200 includes areas AR21 to AR23 for inputting conditions for applying stamps to stamp cards, an area AR24 for inputting conditions for providing benefits and details of the benefits, and a new provision area. A screen SC21 is displayed that includes an area AR25 for instructing the input of the contents of conditions and benefits, and an area AR26 that is displayed according to the selection of the area AR25.

To give a specific example, the operator terminal 200 selects, as the granting condition, one of granting one stamp for every yen or more of the settlement amount, or granting one stamp for every yen of the settlement amount. Then, an area AR21 for inputting a standard amount of money for giving a stamp is displayed.

In addition, the operator terminal 200 is a service provided by an application activated within a payment application, and is a service related to information distribution of the store D. Does the business terminal 200 give stamps only to users (followers) who follow the store D? An area AR22 for designating whether or not is displayed. Note that the business terminal 200 may accept settings such that more stamps are given only to followers.

The operator terminal 200 also displays an area AR23 for inputting the conditions of the user to be stamped (the user's rank in the electronic payment service). For example, the business operator terminal 200 receives information such as the total amount of electronic payments made to store D, the number of electronic payments made to store D, the number of stamps attached to the stamp card linked to store D, and so on. Accepts input of user rank determined based on (for example, heavy users whose number of stamps given is greater than or equal to a predetermined threshold, or light users whose number of given stamps is less than a predetermined threshold) . The operator terminal 200 may be configured such that more stamps are given only to users whose rank is a heavy user, or more stamps are given only to users whose rank is a light user. It is also acceptable to accept settings such as

In addition, the operator terminal 200 inputs the number of stamps (the number of achievements), the type of privilege (for example, goods provided at the store D, cashback of a predetermined amount), and the name of the privilege, which are the conditions for providing the privilege. Display the area AR24 for Further, the business terminal 200 accepts the input of the selling price conversion amount of the goods when the item is designated as the privilege type, and the cashback for the settlement amount to the store D when the cashback is designated as the privilege type. Accepts the input of the rate of back or the amount of cash back (fixed amount). Further, when an item is specified as the type of privilege, the business terminal 200 may accept input of the cost, cost rate, and amount of money for the item.

In addition, when the area AR25 is selected, the business terminal 200 further displays an area AR26 for inputting new provision conditions and contents of benefits, and accepts input of information. In other words, the business terminal 200 can accept settings for a plurality of privileges for one stamp card. Hereinafter, the benefit based on the information input to the area AR24 may be referred to as "first benefit", and the benefit based on the information input to the area AR26 may be referred to as "second benefit".

Note that the settings related to the stamp card accepted by the accepting unit 41 are not limited to those shown on the screen SC21, and any settings may be accepted. For example, the receiving unit 41 may receive a setting that gives more rewards depending on the date and time when electronic payment is made. Further, the accepting unit 41 may accept the validity period of the stamp.

Further, the accepting unit 41 may accept the purchase of a predetermined transaction object provided at a store as a stamp granting condition. In such a case, the reception unit 41 first receives information indicating a transaction target to be stamped (for example, transaction target identification information indicated by a barcode attached to the transaction target) as a condition for stamping, Store in the stamp card information database 32 . Then, the accepting unit 41 accepts payment information including transaction object identification information for identifying a transaction object to be settled. As a specific example, the reception unit 41 receives a product ID indicated by a barcode attached to the product. Then, the granting unit 43, which will be described later, grants a stamp when the product indicated by the product ID is the product set as the stamp granting condition.

Note that the reception unit 41 may receive payment information including transaction object identification information read by a store terminal used by the store. For example, when a payment is made by a store terminal (such as a POS terminal) reading the user identification information displayed on the user terminal 100, the reception unit 41 reads Payment information including user identification information and product ID indicated by the barcode of the product is accepted.

Next, an example in which information about the stamp card based on the information input on the screen SC21 is displayed on the user terminal 100 will be described. As shown in FIG. 9, the user terminal 100 is associated with a stamp card linked to the store D in response to a predetermined operation from the user (for example, a selection operation for content displayed on the AR 12 shown in FIG. 2). A screen SC22 showing information is displayed. For example, the user terminal 100 has an area AR27 for displaying an electronic stamp card, an area AR28 for displaying the conditions for providing the first privilege and the content of the first privilege, the conditions for providing the second privilege and A screen SC22 including an area AR29 for displaying the details of the second privilege and an area AR30 for displaying conditions for applying a stamp is displayed.

To give a specific example, the user terminal 100 displays, in the area AR27, an icon IC21 for visualizing the provision condition of the first privilege (three stamps) and the provision condition of the second privilege (eight stamps). The stamp card is displayed with an icon IC22 for visualizing the individual.

Also, the user terminal 100 displays information in the area AR28 based on the information input in the area AR24 of the screen SC21. Also, the user terminal 100 displays information in the area AR29 based on the information input in the area AR26 of the screen SC21. Also, the user terminal 100 displays information in the area AR30 based on the information input in the areas AR21 to AR23 of the screen SC21.

Note that when eight stamps are added to the stamp card shown in the area AR27 (hereinafter sometimes referred to as "first stamp card") (that is, when all the stamp fields of the stamp card are filled), The reception unit 41 may issue a new stamp card (hereinafter sometimes referred to as a “second stamp card”) linked to the store D to the user. Here, the content of the privilege provided by the second stamp card and the conditions for providing the privilege may be the same as or different from those of the first stamp card (for example, an item with a higher price than the privilege provided by the first stamp card). or a privilege with a higher cashback). In other words, the reception unit 41 receives from the business operator information regarding the setting of the second stamp card separately from the information regarding the setting of the first stamp card, and issues the second stamp card based on the received information. may The same applies to stamp cards issued after the second stamp card.

Further, the granting unit 43, which will be described later, may grant a stamp according to the rank of the user determined based on the number of times the stamp card associated with the store D is newly issued. To give a specific example, the granting unit 43 sets the number of stamps to be larger in the case of granting stamps to the second stamp card than in the case of granting stamps to the first stamp card. good too.

On the other hand, the reception unit 41 receives user information about the user who makes the payment. For example, the accepting unit 41 accepts a payment amount indicated by the payment history included in the user information. Note that the reception unit 41 stores the received user information in the user information database 33 .

In addition, the receiving unit 41 may receive business information from the business terminal 200 . For example, the reception unit 41 receives business information including store information and store evaluation of the store A of the business M1. The reception unit 41 stores the received business information in the business information database 34 .

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41 . For example, in the example of FIG. 1, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID.

(Regarding the granting unit 43)
The granting unit 43 grants a stamp based on the payment information received by the receiving unit 41 to the electronic stamp card linked to the store. For example, in the example of FIG. 1, the granting unit 43 refers to the stamp card information database 32 and the user information database 33, and among the stamp cards owned by the user U1, the stamp card linked to the store A , stamps are given based on the conditions for giving stamps set by the operator M1 and the settlement amount.

Here, the stamp card to which the stamp is given by the giving unit 43 includes a stamp card which is automatically issued or automatically obtained and given a stamp even if the user does not own it when the user visits the store A for the first time. In addition, the above stamp cards are not only stamp cards that users have already acquired, but also stamp cards that can be provided to users (that is, stamp cards that users can obtain in the future) that can be used for payment. Also includes stamp cards that have been identified as stamp cards that have been stamped.

That is, if the user does not own a stamp card, the granting unit 43 may issue a stamp card and grant a stamp to the user. For example, in the example of FIG. 1, if the user U1 does not own a stamp card linked to the store A, the granting unit 43 newly issues a stamp card to the user U1, and Add a stamp to the card. Further, if the user does not own a stamp card, the granting unit 43 can acquire a stamp card created by the business operator M1 and grant a stamp to the user.

Further, the granting unit 43 may grant a stamp to a stamp card associated with the store identification information among the stamp cards owned by the user. For example, in the example of FIG. 1, the granting unit 43 grants a stamp to the stamp card linked to the store A indicated by the store identification information C1.

Further, the granting unit 43 may grant a stamp to a stamp card associated with a predetermined store group including a store among the stamp cards owned by the user. For example, when the user makes a payment at one of a plurality of stores having a predetermined relationship (for example, an affiliated store, a chain store, a franchise store, etc.), the providing unit 43 A stamp is given to one stamp card linked to.

Further, the granting unit 43 may grant a stamp according to the payment amount indicated by the payment information. For example, in the example of FIG. 1, the granting unit 43 grants a stamp based on the stamp granting conditions set by the business operator M1 and the payment amount.

Further, the granting unit 43 may grant a stamp according to the total sum of the settlement amount indicated by the history of settlement using the user terminal for the store and the settlement amount indicated by the settlement information. For example, the giving unit 43 gives a stamp according to the payment amount indicated by the payment information received by the reception unit 41 and the payment amount indicated by the user's payment history for the payment destination store indicated by the payment information. To give a specific example, the conditions for giving a stamp at a store are set to "1 stamp is given for every 1000 yen settlement amount", the user's previous payment amount for the store was 800 yen, and the use When the payment amount for the store newly received by the reception unit 41 from the person is 1200 yen, the granting unit 43 calculates the total amount of 2000 yen, which is the previous payment amount of 800 yen and the current payment amount of 1200 yen, based on the total amount of 2000 yen. Give the user two stamps.

Further, when the transaction object identification information indicates a predetermined transaction object, the granting unit 43 may impart a stamp to the stamp card. For example, when purchase of a predetermined product is set as a condition for giving a stamp, the applying unit 43 gives a stamp when the product ID indicated by the payment information received by the receiving unit 41 corresponds to the predetermined product. .

Further, the granting unit 43 may grant a stamp according to the date and time when payment is made. For example, when payment is made on a predetermined date and time set by the business, the granting unit 43 grants more stamps than when payment is made on another date and time.

Further, the granting unit 43 may grant a stamp based on payment information and user information about the user. For example, the granting unit 43 determines the user's rank determined based on the user's settlement history with respect to the store of the settlement destination (for example, the total amount of settlement amount with respect to the store and the number of electronic settlements made with the store). Give a stamp accordingly.

In addition, the provision unit 43 is a predetermined platform that provides a predetermined payment method using a user terminal, and is a predetermined platform that distributes information about stores where the predetermined payment method can be used. A stamp may be given depending on whether or not there is. For example, the granting unit 43 grants a stamp according to whether or not the user is following the store to which payment is made in a service provided by an application activated within a payment application, which relates to information distribution of the store. .

Further, the granting unit 43 may grant stamps according to the number of stamps that have been granted to the stamp card. For example, the granting unit 43 grants a stamp according to the rank of the user determined based on the number of stamps granted to the stamp card associated with the store.

Moreover, the provision part 43 may provide a stamp according to the conditions set by the store. For example, the granting unit 43 grants a stamp according to the setting regarding the stamp card received by the reception unit 41 from the store.

(About the providing unit 44)
The providing unit 44 provides the user with information indicating the stamp given by the applying unit 43 . For example, in the example of FIG. 1, the providing unit 44 provides the user terminal 100 with information about the stamp given to the stamp card linked to the store A, and displays it on the screen.

In addition, the provision unit 44 may provide the user with a predetermined privilege related to the store when the number of stamps provided by the provision unit 43 satisfies a predetermined condition. For example, in the example of FIG. 1, the providing unit 44 refers to the stamp card information database 32 and the user information database 33, and if the stamp given to the user U1 satisfies the provision condition, the providing unit 44 directs the user U1 to the store A. provides the set privilege, and causes the user terminal 100 to display a screen SC2 indicating that the privilege has been provided. On the other hand, if the provision conditions for providing benefits are not satisfied, the payment server 10 indicates information about stamps given to the stamp card linked to store A (for example, the number of stamps given to the stamp). Display the screen SC1.

Further, the providing unit 44 may provide a privilege corresponding to the number of stamps given to the stamp card. For example, as shown in FIG. 9, when a plurality of benefits are set for one stamp card, the provision unit 44 determines that the number of stamps already given to the stamp card satisfies the provision conditions for any of the benefits. Offer relevant perks.

Further, the providing unit 44 may provide the user with a predetermined privilege when the number of stamps given to the stamp card satisfies the conditions set by the store. For example, in the example of FIG. 1, the provision unit 44 provides the provision unit 44 when the number of stamps given to the stamp card linked to the store A satisfies the provision conditions set by the business operator M1 of the store A. provides benefits to user U1.

Further, the providing unit 44 may provide the user with a privilege set by the store when the number of stamps given to the stamp card satisfies a predetermined condition. For example, in the example of FIG. 1, if the number of stamps given to the stamp card linked to the store A satisfies the privilege provision conditions, the providing unit 44 provides the privilege set by the business operator M1 of the store A. Provided to user U1.

(Regarding the notification unit 45)
The notification unit 45 notifies the user of information indicating that the predetermined condition is about to be achieved when the number of stamps required to satisfy the predetermined condition is equal to or less than a predetermined threshold. For example, in the example of FIG. 1, the providing unit 44 refers to the stamp card information database 32 and the user information database 33, and selects a stamp card whose number of stamps required to satisfy the privilege providing condition is equal to or less than a predetermined threshold value. If the user U1 owns it, the provision unit 44 causes the user terminal 100 to display a notification that the provision condition is about to be fulfilled.

In addition, the notification unit 45 may notify the user of information corresponding to the expiration date set to the stamp already given to the stamp card. For example, the notification unit 45 notifies the user of information according to the period until the expiration date set in the stamp. As a specific example, if the user owns a stamp card whose period from the current time until the expiration date of the stamp is equal to or less than a predetermined threshold value, the providing unit 44 notifies information indicating the stamp card. .

Further, the notification unit 45 may notify the user of information indicating conditions for giving a stamp to the stamp card. For example, the notification unit 45 notifies information indicating the payment amount, the transaction object, and the like set as the conditions for applying the stamp.

Note that the notification unit 45 may notify the user of the information based on the priority of the information. For example, the notification unit 45 sets a higher priority for information related to a stamp card linked to a store located closer to the user's current location, and stores the store located farther from the user's current location. A lower priority is set for the information related to the stamp card linked to, and the information is notified. In addition, the notification unit 45 sets a higher priority to information related to a stamp card with a shorter period until the expiration date set in the stamp, and sets a higher priority to information related to a stamp card with a longer period until the expiration date set in the stamp. set to low and notify information.

(Regarding the distribution unit 46)
The distribution unit 46 distributes card information related to electronic stamp cards, which are stamp cards owned by users and which are linked to stores where predetermined payment methods using user terminals are available, to predetermined payment methods. Distribute to users via the provided platform. For example, in the example of FIG. 1, the distribution unit 46 distributes content indicating the number of stamps given to each stamp card owned by the user U1 and details of benefits to be provided to the user via the payment application. Distribute to terminal 100 .

In addition, the distribution unit 46 may distribute the card information based on the priority for distributing the card information, which is based on the number of stamps given to the stamp card owned by the user. For example, the distributing unit 46 sets a higher priority to a stamp card with a larger number of stamps added, and a lower priority to a stamp card with a smaller number of stamps attached, and distributes the card information. In addition, the distribution unit 46 sets a higher priority for a stamp card that requires a smaller number of stamps to meet the privilege providing condition, and a higher priority for a stamp card that requires a larger number of stamps to meet the privilege providing condition. set high to deliver card information.

Further, the distribution unit 46 may distribute the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already attached to the stamp card owned by the user. good. For example, the distribution unit 46 sets a higher priority to a stamp card with an earlier stamp expiration date, and a lower priority to a stamp card with a later expiration date, and distributes the card information. Also, for example, the distribution unit 46 sets a higher priority to a stamp card with a shorter remaining period from the current time to the expiration date set for the stamp, and a lower priority to a stamp card with a longer remaining period, Distribute card information.

In addition, the distribution unit 46 is the priority for distributing card information, based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Card information may be distributed. For example, the distribution unit 46 sets a higher priority for a stamp card that is associated with a store located closer to the user's current location, and assigns a higher priority to a store that is located farther from the user's current location. A lower priority is set for the attached stamp card, and the card information is distributed. In addition, the distribution unit 46 sets a higher priority to a stamp card linked to a store located closer to the user's base (for example, home, place of work, or commuting destination). A lower priority is set for a stamp card linked to a store located farther from the location, and card information is distributed.

The priority with which the distribution unit 46 distributes the card information is not limited to the above example. For example, the distribution unit 46 may distribute card information with priority based on user's preference. To give a specific example, the distribution unit 46 sets a higher priority to a stamp card linked to a store corresponding to the user's attribute (demographic attribute, psychographic attribute). A lower priority is set for a stamp card linked to a store that does not support it, and card information is distributed.

(Regarding the calculator 47)
If the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the content of the privilege. For example, the calculation unit 47 calculates the billing amount based on information regarding the price of the privilege. As a specific example, the calculation unit 47 calculates the cost of the privilege as the billing amount. That is, for example, when the privilege is an item, the calculation unit 47 calculates an amount corresponding to the cost of the item as the charge amount (commission). In addition, the calculation unit 47 calculates the price of the privilege as the billing amount. That is, for example, when the privilege is cashback or a discount coupon, the calculator 47 calculates the price of the privilege to be provided as the charge amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as the billing amount. That is, for example, when the privilege is an item and the cost is unknown, the calculation unit 47 calculates the charge amount (commission) by multiplying the offer price by the general cost rate of the item.

Further, the calculation unit 47 calculates the billing amount when the number of stamps provided by the provision unit 43 satisfies a predetermined condition and a predetermined privilege regarding the store is provided. That is, the calculation unit 47 calculates the charge amount corresponding to the commission at the timing when the user acquires the prize, and charges the store. Here, the timing of obtaining the prize may be the timing at which the user actually obtains the prize (for example, the timing at which the user receives the special croissant at the bakery shop), or the timing at which the user is granted the right to obtain the prize. The timing (eg, the timing of receiving a croissant exchange ticket as a bonus at a bakery shop) may also be used.

Further, if the number of stamps given by the giving unit 43 satisfies a predetermined condition and the user who has been provided with a predetermined privilege related to the store uses the privilege, the calculation unit 47 calculates the charge amount. good. That is, the calculation unit 47 calculates the , the billing amount can also be calculated.

The calculation unit 47 can also calculate the billing amount according to the user's settlement amount, as described below. That is, when the number of stamps given by the giving unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the user's payment history included in the user information. For example, the calculation unit 47 accumulates, in a predetermined period, the payment amounts indicated by the payment history and the payment amounts for which the user's stamp is given to the store, and calculates a predetermined ratio of the accumulated payment amounts. The billing amount is calculated by multiplying. To give a specific example, the store's stamp granting condition is "1 stamp for every 1000 yen settlement amount", the privilege acquisition condition is "5 stamps", and the user's settlement amount is "1st time: 500 yen, 2nd time: 1000 yen, 3rd time: 1500 yen, 4th time: 1500 yen, 5th time: 1000 yen, 6th time: 1000 yen" %”, the calculation unit 47 calculates “6,000 yen” by accumulating settlement amounts of 1,000 yen or more that have been given until the award is obtained as the cumulative settlement amount, and adds 0.03 to the cumulative settlement amount of 6,000 yen. is multiplied to calculate "180 yen" as the billing amount.

Further, the calculation unit 47 calculates the charge amount each time the given stamp group (stamp group) satisfies the conditions set for each privilege provided to the user U1. For example, the calculation unit 47 accumulates the settlement amount corresponding to the stamp group for which a predetermined privilege regarding the store is provided, and calculates the billing amount each time the condition set for each privilege to be provided is satisfied. To give a specific example, in the example of the screen SC22 in FIG. 9, when the first privilege provision condition (three stamps) is satisfied, the calculation unit 47 accumulates the settlement amount corresponding to the three stamps, When the charge amount is calculated and the condition for providing the second privilege (eight stamps) is satisfied, the settlement amounts corresponding to the additional five stamps are totaled, and the charge amount is calculated each time.

Further, the calculation unit 47 determines a predetermined ratio for each predetermined period and calculates the billing amount. For example, in the example of the screen SC22 in FIG. 9, the calculation unit 47 multiplies the cumulative settlement amount corresponding to the provision condition (three stamps) of the first privilege by "3%" to calculate the billing amount. The total payment amount corresponding to the privilege provision condition (5 additional stamps) of 2 is multiplied by "2%" to calculate the billing amount. Furthermore, the calculation unit 47 can also determine a predetermined ratio for each campaign period, such as the stamp provision period and the stamp validity period, and calculate the billing amount.

Further, the calculation unit 47 determines a predetermined ratio based on the business operator information regarding the business operator that provides the transaction target to the user, and calculates the billing amount. For example, the calculation unit 47 refers to the business operator information database 34, "store information" (eg, store address, presence or absence of affiliated stores, product type, size of store, average sales), "store evaluation" ( For example, the evaluation value by the user on the website) determines a predetermined ratio to be multiplied by the cumulative settlement amount to calculate the billing amount. As a specific example, the calculation unit 47 can set a low ratio for calculating the billing amount for businesses with small stores or businesses with high evaluation values by users.

Further, the calculation unit 47 determines a predetermined ratio based on the user information and calculates the billing amount. For example, the calculation unit 47 refers to the user information database 33 and calculates the total A predetermined ratio to be multiplied by the payment amount is determined to calculate the billing amount. As a specific example, the calculation unit 47 calculates the billing amount corresponding to the payment of a user who has made a large total payment amount for past stores or a user who has used the electronic payment service many times. can be set lower.

The calculation unit 47 stores the calculated cumulative settlement amount and billing amount in the billing information database 35 . In addition, the calculation unit 47 may transmit billing information including the calculated cumulative settlement amount and billing amount to the operator terminal 200 of the associated operator M1.

[3. Provision processing flow]
A procedure of provision processing of the settlement server 10 according to the embodiment will be described with reference to FIG. 10 . FIG. 10 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment.

As shown in FIG. 10, the payment server 10 receives payment information regarding payment for a store, which is payment using a user terminal used by a user (step S101). Subsequently, the payment server 10 determines whether or not to give a stamp based on the stamp giving conditions set by the store and the payment information (step S102). If it is determined not to add a stamp (step S102; No), the payment server 10 executes payment processing based on the payment information, and terminates the processing.

On the other hand, if it is determined to give a stamp (Step S102; Yes), the settlement server 10 determines whether or not the stamp card linked to the store has already been issued to the user. If it is determined that the stamp card has been issued (step S103; Yes), the payment server 10 executes payment processing based on the payment information and adds a stamp to the stamp card (step S104). If it is determined that the card has not been issued (step S103; No), the payment server 10 executes payment processing based on the payment information, issues a stamp card to the user, and adds a stamp to the issued stamp card. (Step S105).

Subsequently, the settlement server 10 determines whether or not the number of stamps given to the stamp card satisfies a predetermined condition for providing benefits (step S106). When determining that the predetermined condition is not satisfied (step S106; No), the settlement server 10 terminates the process. On the other hand, when it is determined that the predetermined condition is satisfied (step S106; Yes), the settlement server 10 provides the user with a predetermined privilege regarding the store (step S107).

Finally, the settlement server 10 calculates the amount charged to the business operator based on the content of the privilege (the cost of the privilege, the offer price, etc.), and ends the process (step S108). At this time, the payment server 10 may generate billing information including the billing amount and transmit it to the operator terminal 200 .

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. Calculation of billing amount]
(4-1-1. An example of information processing)
In the above-described embodiment, a scheme of charging an amount equivalent to the price of the privilege provided to the user by the business operator M1 as a stamp card fee for a shop operated by the business operator M1 (for example, shop A shown in FIG. 1). is introduced, a determination process may be performed to determine whether or not the price declared by the business operator M1 is a reasonable price. An example of information processing in the provision processing system 1 having the settlement server 10TF that performs this determination processing will be described below. FIG. 11 is a diagram illustrating an example of information processing according to the modification. In the following description, an example of information processing for charging the store with an amount equivalent to the cost of the premium reported by the business operator M1 as information on the price of the premium provided to the user as a privilege will be described. There is no particular limitation when charging an amount equivalent to the cost. Information on the price of a premium may be, for example, the sales price (suggested retail price) or list price of the premium if the premium is an article (product), or the price of the service if the premium is a service. or the price obtained by multiplying the selling price or offer price of the prize by a predetermined ratio, or the cost of the gift estimated from the selling price or offer price of the gift (estimated cost), etc. may be Note that the shop operated by the business operator M1 described below is a shop that introduces the electronic payment service provided by the payment server 10TF, and is sometimes called a member shop.

As shown in FIG. 11, business operator M1 first sets information on an electronic stamp card provided to users by a store (for example, store A shown in FIG. 1) (step M1-1). For example, business operator M1 inputs information about a stamp card to a screen displayed on business operator terminal 200 by activating a payment application for the business operator. To give a specific example, the business operator M1 inputs, as information on the stamp card, information on a gift to be provided to the user as a privilege according to the number of stamps given to the stamp card. The information about the prize includes market price information indicating the market price of the prize, cost information indicating the cost of the prize, and category information indicating the category for specifying the prize.

The market price information indicating the market price of a premium is information indicating an estimated amount (selling price conversion value) converted to a selling price when a product or service serving as a premium is traded on the market, and is information based on self-reported information by the business operator M1. is. The cost information indicating the cost of the prize is information indicating costs based on material costs and labor costs required for providing the product or service as the prize, and is information based on self-declaration by the business operator M1. The category information is information for classifying products and services that are prizes. The category information can be composed of a plurality of categories that can be narrowed down step by step to a granularity that allows derivation of the cost of the prize. For example, it may include a first category for broadly classifying products and services that serve as prizes, and a second category for more detailed classifying of the products and services classified in the first category. The number of categories constituting the category information can be set to any number up to the stage where the cost of the prize can be derived.

The operator terminal 200 acquires the information on the prize from the information input by the operator M1 through the screen for setting the information on the stamp card, and transmits the acquired information to the settlement server 10TF (step S21). . For example, the business operator terminal 200 acquires the market price of the free gift, the cost of the free gift, and the category information indicating the category for specifying the free gift from the information input by the business operator M1. information to the settlement server 10TF.

When the settlement server 10TF receives the information about the prize from the business operator terminal 200, the payment server 10TF executes price determination processing for determining whether or not the cost of the prize is an appropriate price (step S31). For example, the settlement server 10TF uses, as information on the prize, market price information indicating the market price of the prize declared by the business operator M1, cost information indicating the cost of the prize, and category information indicating the category for specifying the prize. and accept. Then, the settlement server 10TF determines whether or not the information received as the information on the prize satisfies a predetermined condition defined in advance for each prize.

To give a specific example, the settlement server 10TF is configured such that the market price falls within a predetermined price range defined in advance for each category corresponding to the prize, and the ratio of the cost to the market price is set for each category corresponding to the prize. is included in a predetermined numerical range defined in advance. For example, the predetermined price range is defined based on the lowest and highest market prices for the product or service that serves as a prize. The lowest and highest prices are researched by service providers who manage payment servers 10TF and provide electronic payment services. The settlement server 10TF determines whether or not the market price reported by the business operator M1 is within the above-described predetermined price range. You can also check whether the product is suitable as a premium that does not violate laws such as the Act against Misleading Representations (so-called Act on Premiums and Misleading Representations). Also, for example, the above-described predetermined numerical range is defined in advance by the service provider in order to determine whether the cost of the prize declared by the provider M1 is a proper price. The settlement server 10TF confirms whether or not the cost of the prize declared by the business operator M1 is an appropriate price by determining whether the ratio of the cost to the market price is within the above-described predetermined numerical range. can.

Note that the settlement server 10TF may receive cost information indicating the cost of the premium from the business operator M1 as the information on the price of the premium. In this case, the settlement server 10TF executes price determination processing to determine whether or not the cost of the prize declared by the business operator M1 is within a predetermined range of numerical values. If included within the numerical range, such cost may be determined as the amount charged to the store. In addition to the cost information, the settlement server 10TF may further receive the above-described category information as the information on the prize. In this case, if the cost of the prize reported by the business operator M1 is within a predetermined numerical range defined in advance for each category, the settlement server 10TF determines the cost as the amount to be charged to the store. may In addition, the settlement server 10TF may receive price information indicating a price (for example, a selling price (recommended retail price) or a list price of a prize) set for the prize from the business operator M1 as information about the price of the prize. In this case, the settlement server 10TF executes price determination processing to determine whether or not the price of the prize declared by the business operator M1 is within a predetermined range of numerical values. If the price is within the numerical range, the billing amount for the store may be determined based on this price. In addition to the price information, the settlement server 10TF may further receive the category information described above. In this case, if the price of the prize declared by the business operator M1 is within a predetermined numerical range defined in advance for each category, the payment server 10TF will calculate the amount charged to the store based on the price. may decide. The settlement server 10TF may also calculate an estimated cost that is estimated to be the cost of the prize based on the price indicated in the price information received from the business operator M1 as the information on the prize. In this case, the settlement server 10TF executes price determination processing to determine whether or not the calculated estimated cost is within a predetermined numerical range. If so, such estimated cost may be determined as the amount charged to the store. In addition to the price information, the settlement server 10TF may receive the category information described above from the business operator M1. In this case, the settlement server 10TF executes price determination processing to determine whether the calculated estimated cost is within a predetermined numerical range defined in advance for each category, and the estimated cost is within the predetermined numerical range. such estimated cost may be determined as the amount charged to the store. Note that, when the payment server 10TF determines the amount to be charged for the store based on the price indicated in the price information received from the business operator M1, the value obtained by multiplying the price indicated in the price information by a predetermined ratio is may be the billing amount for

After completing the price determination process, the settlement server 10TF transmits the determination result to the operator terminal 200 (step S32). For example, when the settlement server 10TF determines that the cost of the prize is appropriate, it transmits to the operator terminal 200 a determination result indicating that there is no problem with the cost of the prize. On the contrary, when the payment server 10TF determines that the cost of the prize is not a proper price, it transmits to the operator terminal 200 a determination result indicating that there is a problem with the cost of the prize.

Then, when the payment server 10TF determines that there is no problem with the cost of the prize declared by the business operator M1, the payment server 10TF determines the cost of the prize as the billing amount (step S33).

When the operator terminal 200 receives the determination result of the price determination process for the cost of the prize from the settlement server 10TF, it displays the received determination result (step S22). For example, if there is a problem with the cost of the prize, reconsideration of the prize and submission of evidence are considered (step M1-2). Specifically, when the business operator M1 corrects the cost of the premium, the business operator M1 reviews the cost of the premium and retransmits the reconsidered cost of the premium to the settlement server 10TF. Further, when the business operator M1 does not correct the cost of the prize, the business operator M1 makes settings for submitting information on the stamp card, which will be described later, to the settlement server 10TF, and submits evidence showing the grounds that the cost is appropriate.

Then, the business operator M1 confirms the determination result displayed on the business operator terminal 200, and, for example, if there is no problem with the cost of the prize, makes settings for submitting information on the stamp card to the settlement server 10TF. (Step M1-3). The business operator M1 submits data such as images and texts to be printed on the stamp card, and explanations of prizes.

The operator terminal 200 transmits the manuscript submission data regarding the stamp card input by the operator M1 to the settlement server 10TF (step S23).

Upon receiving the submitted data from the business operator terminal 200, the settlement server 10TF performs submission examination of the submitted data (step S34), and reflects the result of the submission examination on the information on the stamp card (step S35). For example, the settlement server 10TF registers information (distribution flag) indicating whether or not the stamp card is ready for distribution, in association with information on the stamp card including the manuscript data submitted by the business operator M1. . As a specific example, if there is no problem with the submitted data as a result of the submission examination, the payment server 10TF associates the stamp card with the stamp card information and indicates that the stamp card can be distributed: "ON ” is registered. On the other hand, if there is a problem with the submitted manuscript data as a result of the submitted manuscript examination, the settlement server 10TF registers a distribution flag indicating that the stamp card cannot be distributed: "OFF" in association with the stamp card information.

After completing the submission examination, the settlement server 10TF transmits the result of the submission examination to the operator terminal 200 (step S36).

The business terminal 200, upon receiving the result of the manuscript examination from the settlement server 10TF, displays the result of the manuscript examination (step S24). The operator M1 confirms the result of the submitted manuscript examination displayed on the operator terminal 200, and, for example, if there is no problem with the submitted manuscript data, starts posting the stamp card (step M1-4).

[4-1-2. Configuration of settlement server according to modification]
Next, the configuration of the settlement server 10TF according to the modification will be described. FIG. 12 is a diagram showing a configuration example of a settlement server according to a modification. As shown in FIG. 12, the settlement server 10TF has a communication section 20TF, a storage section 30TF, and a control section 40TF. In the settlement server 10TF according to the modification, part of the information stored in the storage unit 30TF, part of the processing functions realized by each part of the control unit 40TF, and part of the configuration of the control unit 40TF are implemented as described above. It is different from the settlement server 10 according to the form.

(Regarding the stamp card information database 32TF)
FIG. 13 is a diagram showing an example of a stamp card information database according to a modification. The stamp card information database 32TF according to the modification differs from the stamp card information database 32 (see FIG. 5) according to the above-described embodiment in part of the stored information. That is, as shown in FIG. 13, the stamp card information database 32TF according to the modification further has an item of "distribution flag". In addition, as shown in FIG. 13, the stamp card information database 32TF according to the modified example further has an item of "information on prizes" in the item of "details of privilege".

The "delivery flag" item stores a delivery flag, which is information indicating whether or not the stamp card is ready for delivery. When the distribution flag is "ON", it indicates that the stamp card can be distributed, and when the distribution flag is "OFF", it indicates that the stamp card cannot be distributed.

The item of "Information about prizes" includes items of "first category", items of "second category", items of "market price", items of "cost price", and the like. Information based on self-declaration by the business operator M1 is stored in these items.

The item "first category" stores information indicating a large category for broadly classifying products and services that serve as prizes. As a specific example, items of the "first category" store items such as food, household goods, clothing, furniture, etc. for products, and product providing services and information providing services for services. , comfort realization service, etc. are stored.

The item "second category" stores information indicating a subcategory for more detailed classification of prizes such as goods and services classified according to the first category. As a specific example, when "food" is stored in the item of "first category", eggs, beef, apples, etc. can be stored in the item of "second category". Further, when the item of the "first category" is stored with "product providing service", the item of the "second category" can be stored with catering, rental car, hotel accommodation, and the like.

The "market price" item stores information indicating an estimated selling price (selling price conversion value) when the product or service that is the prize stored in the "second category" item is traded on the market. be done.

The "cost" item stores information indicating costs based on material costs, labor costs, etc. required to provide the goods or services that are to be the prizes stored in the "second category" item.

According to the stamp card information database 32TF illustrated in FIG. The premium provided to the user as a privilege associated with the stamp card is a product or service specified by the first category: "category X1-1" and the second category: "category X2-1", and this premium The market price of is "market price #1" and the cost is "cost #1". Further, according to the stamp card information database 32TF illustrated in FIG. 13, the distribution flag of the stamp card identified by the card ID: "CID#1" is "ON", indicating that the distribution is possible. ing.

(Regarding the billing information database 35TF)
FIG. 14 is a diagram showing an example of a billing information database according to a modification. As shown in FIG. 14, the billing information database 35TF according to the modification has items such as "business operator ID", "card ID", and "charging amount". The billing information database 35TF according to the modification differs from the billing information database 35 according to the above-described embodiment in that it does not have an item of "accumulated settlement amount" and has an item of "card ID".

The item of “business operator ID” stores identification information for identifying the business operator in the payment service to be charged. The item “card ID” stores identification information for identifying a stamp card that is associated with a store operated by a business operator. Information indicating the charge amount (commission) for the business operator calculated for each stamp card is stored in the "charge amount" item. Information indicating the cost of the prize provided to the user as a benefit of the stamp card is stored in the item of "charging amount".

(Regarding price judgment database 36TF)
FIG. 15 is a diagram showing an example of a price determination database according to a modification. As shown in FIG. 15, the price determination database 36TF according to the modification has items of "category information", items of "market price", and items of "cost determination criteria". These items in the price judgment database 36TF are associated with each other.

The “category information” item stores information indicating a category for specifying a prize such as a product or service provided to the user as a privilege associated with the stamp card. The information stored in the “category information” item is defined in advance by the service provider who manages the payment server 10TF. For example, the category information is composed of a plurality of categories from which the prizes can be narrowed down step by step to the granularity from which the cost of the prize or the listed price can be derived. For example, the item of "category information" shown in FIG. 15 has an item of "first category" and an item of "second category". The item "first category" stores information indicating a large category for broadly classifying products and services that serve as prizes. The information stored in the "first category" item corresponds to the information stored in the "first category" item of the stamp card information database 32TF shown in FIG. The item "second category" stores information indicating a subcategory for more detailed classification of prizes such as goods and services classified according to the first category. The information stored in the "second category" item corresponds to the information stored in the "second category" item of the stamp card information database 32TF shown in FIG.

The "market price" item stores information indicating an estimated selling price (selling price conversion value) when a product or service serving as a prize is traded on the market. The information stored in the item of "market price" is defined in advance by the service provider who manages the settlement server 10TF by researching the selling prices of products in the market. Also, the information stored in the "market price" item is periodically updated by the service provider. As shown in FIG. 15, the item of "market price" has an item of "minimum price" and an item of "maximum price". The "lowest price" item stores information indicating the lowest price in the market for a prize during a predetermined research period. In addition, information indicating the highest price of a prize during a predetermined research period is stored in the item "maximum price".

The item "Cost Judgment Criteria" stores information indicating judgment criteria defined in advance for judging whether or not the cost of a product or service to be a prize is an appropriate price. For example, the item "Cost criteria" stores a predetermined numerical range for evaluating the ratio of the cost of the prize to the market price of the prize. This predetermined numerical range is defined in advance for each category corresponding to the prize. As a specific example, the second category shown in FIG. A range of 20% is shown. In addition, as a criterion for determining the cost of the prize specified by the second category “Category X2-2” shown in FIG. It is shown. Thus, even if the first category is the same "category X1-1", different cost judgment criteria are adopted depending on the second category.

(Regarding the control unit 40TF)
As shown in FIG. 12 , the control unit 40TF according to the modification includes a reception unit 41TF, a payment processing unit 42TF, a provision unit 43TF, a provision unit 44TF, a notification unit 45TF, a distribution unit 46TF, and a determination unit 47TF. and The reception unit 41TF, the payment processing unit 42TF, the provision unit 43TF, the provision unit 44TF, the notification unit 45TF, and the distribution unit 46TF are the reception unit 41 of the control unit 40 of the payment server 10 according to the above embodiment. , the settlement processing unit 42, the granting unit 43, the providing unit 44, the notification unit 45, and the distribution unit 46, respectively. Further, the control unit 40TF has a determination unit 47TF instead of the calculation unit 47 included in the control unit 40. FIG. As described above, the control unit 40TF according to the modification has basically the same configuration as the control unit 40 included in the settlement server 10 according to the above-described embodiment. Some of the information processing functions and actions realized or executed by 40TF are different from those of the control unit 40 .

(Regarding reception section 41TF)
The reception unit 41TF receives information on prizes including information on prices of prizes provided to the user from the store where the user settles the account. For example, the receiving unit 41TF receives cost information indicating the cost of the prize as information on the price of the prize. The reception unit 41TF transfers the received cost information to the determination unit 47TF. In addition, for example, the receiving unit 41TF receives price information indicating a price set for a prize (for example, a selling price (recommended retail price) or a list price of the prize) as information about the price of the prize. The reception unit 41TF transfers the received price information to the determination unit 47TF.

In addition, the reception unit 41TF can further receive category information indicating a category for specifying a prize as information on the prize. The reception unit 41TF transfers the received category information to the determination unit 47TF.

In addition, the reception unit 41TF can further receive market price information indicating the market price of the prize as the information on the prize. The reception unit 41TF transfers the received market price information to the determination unit 47TF.

Further, the reception unit 41TF may receive at least one of the above-described information on the price of the prize, the category information, and the market price information as the information on the prize. In addition, for example, the reception unit 41TF provides a gift to the user as a privilege according to the number of stamps given based on the payment details of the user to the electronic stamp card linked to the store. As the information about the prize, the information about the price of the prize (for example, cost information and price information), category information, and market price information may be accepted. In this case, the reception unit 41TF causes the operator terminal 200 to display a screen (content) for inputting settings related to the stamp card, and through the screen, the information about the price of the prize, the category information, and the Market price information can be obtained. The reception unit 41TF associates each piece of information acquired as the information about the prize with the business ID and registers it in the stamp card information database 32TF.

Hereinafter, using FIG. 16, an example of a setting screen for inputting settings related to a stamp card is displayed on the operator terminal 200, and a stamp card based on the settings input on the screen is displayed on the user terminal 100. example. FIG. 16 is a diagram showing an example of screens of the provider terminal and the user terminal according to the modification. In FIG. 16, it is assumed that the operator of store Z inputs information on the setting screen.

First, a setting screen for inputting settings related to the stamp card will be described. As shown in FIG. 16, the operator terminal 200 displays a screen SC31 as a setting screen. For example, the business operator terminal 200 has areas AR31 to AR33 for inputting conditions for giving stamps to stamp cards, area AR34 for inputting conditions for providing benefits and details of the benefits, and area AR34 for entering benefits. An area AR35 for entering information about a gift provided to the user, an area AR36 for entering information about a gift providing coupon provided to the user as a privilege, and inputting new offer conditions and details of the privilege. A screen SC31 including an area AR37 for instruction and an area AR38 to be displayed according to the selection of the area AR37 is displayed. The areas AR31-AR34, AR37 and AR38 correspond to the areas AR21-26 described in the above embodiments, respectively.

The business operator terminal 200 receives from the business operator the selection of the type of privilege to be provided to the user through the area AR34 of the screen 31 . FIG. 16 shows “gift” or “gift providing coupon” as types of benefits that can be selected by the business operator. A "gift" corresponds to a product or service, and a "gift offering coupon" corresponds to a coupon for receiving the provision of a product or service.

In addition, the business operator terminal 200 receives inputs from the business operator through the area AR35 of the screen 31, such as the market price of the gift to be provided to the user as a privilege, the category of the gift, and the cost of the gift. Each input item provided in the area AR35 is activated when "gift" is selected as the privilege type in AR34. In addition, the business operator terminal 200 accepts an input of an arbitrary market price based on the business operator's self-declaration for the prize. For example, for the item of the market price of the prize, it is assumed that an input such as a selling price conversion value in the market of the product or service as the prize is input. In addition, the business operator terminal 200 accepts an input of an arbitrary category based on the business operator's self-declaration regarding the prize. For example, for items of premium category 1, it is assumed that information indicating a large category for broadly classifying products and services that are premiums is input, and for items of premium category 2, input to premium category 1 It is assumed that information indicating a sub-category for classifying prizes in more detail than the given category is input. In addition, the business operator terminal 200 accepts input of any cost based on the business operator's self-declaration for the prize.

In addition, the business terminal 200 receives input of information regarding a free gift coupon to be provided to the user as a privilege through the area AR36 of the screen 31 . Each input item provided in the area AR36 is activated when "free gift coupon" is selected as the privilege type in AR34. For example, the business operator terminal 200 receives inputs such as the number of coupons to be issued and usage conditions from the business operator through the area AR36 of the screen 31 .

Next, an example in which information about the stamp card based on the information input on the screen SC31 is displayed on the user terminal 100 will be described. As shown in FIG. 16, the user terminal 100 is associated with a stamp card linked to the store Z in response to a predetermined operation from the user (for example, a selection operation for content displayed on the AR 12 shown in FIG. 2). A screen SC32 showing information is displayed. For example, the user terminal 100 has an area AR39 for displaying an electronic stamp card, an area AR40 for displaying the conditions for providing the first privilege and the content of the first privilege, the conditions for providing the second privilege and A screen SC32 including an area AR41 for displaying the details of the second privilege and an area AR42 for displaying conditions for applying a stamp is displayed. In the area AR39, an icon IC31 for visualizing the condition for providing the first privilege (for example, 3 stamps) and an icon IC31 for visualizing the condition for providing the second privilege (for example, 8 stamps) are displayed. Icon IC32 is displayed on the stamp card.

Also, the user terminal 100 displays information in the area AR40 based on the information input in the area AR34 of the screen SC31. Further, the user terminal 100 displays information based on the information input to the area AR38 of the screen SC31 in the area AR41. Further, the user terminal 100 displays information in the area AR42 based on the information input in the areas AR31 to AR33 of the screen SC31.

(About the provision unit 44TF)
The providing unit 44TF can provide the user with a gift set as a privilege according to the number of stamps given based on the user's payment details when the information about the gift satisfies a predetermined condition. For example, when the determining unit 47TF, which will be described later, determines that information about a prize satisfies a predetermined condition, the providing unit 44TF enables distribution of a stamp card linked to the information about the prize. Specifically, in the stamp card information database 32TF, the providing unit 44TF registers "ON" for the distribution flag item of the card information of the corresponding stamp card.

(About decision unit 47TF)
If the information on the prize satisfies a predetermined condition defined in advance for each prize, the determination unit 47TF determines the amount to be charged to the store based on the information on the price of the prize. For example, the determining unit 47TF determines the market price of the prize declared by the business operator along with the setting of the information on the stamp card (hereinafter referred to as the “declared market price” as appropriate), the cost of the prize set by the business operator, (hereinafter referred to as “declared cost”) and the price of the prize set by the business operator (hereinafter referred to as “declared price”) are appropriate prices. do. Then, the determination unit 47TF determines the amount to be charged for the store based on the result of the price determination process.

For example, if the reported cost is within a predetermined numerical range, the determination unit 47TF determines the reported cost as the amount to be charged to the store. Further, when the declared price is within a predetermined numerical range, the determination unit 47TF determines the amount to be charged to the store based on the declared price. Further, when the estimated cost calculated from the declared price is within a predetermined numerical range, the determination unit 47TF determines the estimated cost as the amount to be charged to the store.

In addition, the determination unit 47TF determines that the declared cost is within a predetermined numerical range defined in advance for each category corresponding to the prize (the category indicated in the category information received from the business operator, hereinafter referred to as the “declared category” as appropriate). If it is included in the billing amount for the store, this declared cost may be determined as the billing amount for the store. Further, when the declared price is within a predetermined numerical range defined in advance for each reported category, the determination unit 47TF may determine the billing amount for the store based on the declared price. Further, if the estimated cost calculated from the reported price is within a predetermined numerical range defined in advance for each reported category, the determination unit 47TF may determine the estimated cost as the charge for the store. good.

In addition, the determining unit 47TF determines that the declared market price falls within a predetermined price range that is defined in advance for each category corresponding to the prize, and that the ratio of the declared cost to the declared market price is determined for each category corresponding to the prize. If it falls within a predetermined numerical range prescribed in advance, the reported cost may be determined as the billing amount for the store. Further, the determining unit 47TF determines whether the declared market price falls within a predetermined price range defined in advance for each category corresponding to the prize, and determines the ratio of the declared price to the declared market price for each category corresponding to the prize. If it falls within a predetermined numerical range defined in advance, the billing amount for the store may be determined based on this reported price. Further, the determining unit 47TF determines whether the declared market price falls within a predetermined price range defined in advance for each category corresponding to the prize, and the ratio of the estimated cost to the declared market price is determined for each category corresponding to the prize. This estimated cost may be determined as the billing amount for the store if it falls within a predetermined numerical range defined in advance in .

Price determination processing based on the declared market price, declared cost, and declared category declared by the business along with the setting of the stamp card information will be specifically described below. The determination unit 47TF refers to the market price corresponding to the report category from among the market price information defined in the price determination database 36TF. Next, the determination unit 47TF determines whether or not the declared market price is within a predetermined price range defined based on the minimum price and maximum price defined in the price determination database 36TF. If the determination unit 47TF determines that the declared market price is not within the predetermined price range, it transmits the result of determination that there is a problem with the declared market price to the business operator terminal 20 through the communication unit 10TF. . The determination result transmitted from the settlement server 10TF to the business operator terminal 200 may include a request to reconsider the prize, a request to submit evidence, and the like.

On the other hand, when determining that the declared market price is within the range of the predetermined price range, the determination unit 47TF determines whether or not the declared cost satisfies the cost judgment criteria defined in the price judgment database 36TF. judge. That is, the determination unit 47TF refers to the cost judgment standard corresponding to the report category from among the cost judgment standards defined in the price judgment database 36TF. Next, the determination unit 47TF determines whether or not the declared cost is within a predetermined numerical range defined in the price determination database 36TF.

If the determination unit 47TF determines that the reported cost is not within the predetermined numerical range defined in the price determination database 36TF, the determination unit 47TF notifies the business through the communication unit 10TF of the determination result that there is a problem with the reported cost. to the user terminal 20. The determination result transmitted from the settlement server 10TF to the business operator terminal 200 may include a request to reconsider the prize, a request to submit evidence, and the like. On the other hand, if the determining unit 47TF determines that the declared cost is within the predetermined numerical range, it determines the declared cost as the amount to be charged to the store. In other words, the determining unit 47TF adopts the reported cost price as it is as the billing amount for the store. Then, the determination unit 47TF registers the determined billing amount in association with the card information stored in the stamp card information database 32TF. In addition, the determination unit 47TF transmits a determination result indicating that there is no problem with the declared cost of the prize to the business operator terminal 200 through the communication unit 10TF.

Note that the determination unit 47TF can also execute the price determination process based on the declared price in the same manner as in the specific example described above.

[4-1-3. Flow of Price Judgment Processing According to Modification]
An example of the procedure of the price examination process according to the modification will be described below with reference to FIG. 17 . FIG. 17 is a flowchart illustrating an example of the procedure of price determination processing according to the modification. The procedure of the price determination process described below is repeatedly executed by the control unit 40TF of the settlement server 10TF.

As shown in FIG. 17, the determination unit 47TF determines whether the declared market price of the prize (the market price of the prize declared by the business operator along with the setting of the stamp card information) is within a predetermined price range. It is determined whether or not (step S201).

If the determination unit 47TF determines that the declared market price of the premium is within the predetermined price range (step S201; , the cost of the prize declared by the business operator) is within a predetermined numerical range (step S202).

If the determination unit 47TF determines that the ratio of the declared cost of the premium to the declared market price of the premium is within the predetermined numerical range (step S202; Yes), the determination unit 47TF determines the charge to the store based on the declared cost of the premium. The amount is calculated (step S203), and the processing procedure shown in FIG. 17 ends.

If the determination unit 47TF determines that the ratio of the reported cost of the premium to the reported market price of the premium is not within the predetermined numerical range (step S202; No), the decision unit 47TF asks the business operator to reconsider the premium and provide evidence. Submission is requested (step S204), and the processing procedure shown in FIG. 17 ends.

[4-1-4. Calculation of billing amount]
In the above modification, the settlement server 10TF performs cost determination processing to determine whether the declared market price and declared cost of the prize are appropriate. An example of calculating the amount charged to the store based on the declared cost has been described. The settlement server 10TF according to the modification does not have to be particularly limited to the example described above. You may perform the process which determines a charge amount after obtaining the approval of . An example of information processing in this case will be described below. FIG. 18 is a diagram showing another example of a billing amount calculation method according to the modification.

As shown in FIG. 18, first, business operator M1 sets information on an electronic stamp card provided to users by a store operated by business operator M1 (for example, store A shown in FIG. 1) (step M1-1). For example, business operator M1 inputs information about a stamp card to a screen displayed on business operator terminal 200 by activating a payment application for the business operator. The information on the stamp card input by the business operator M1 includes category information indicating the declared category of the prize. The categories included in the category information may be singular or plural, and can be set to any number that allows derivation of the market price or cost of the prize in the settlement server 10TF.

The operator terminal 200 acquires the information on the prize from the information input by the operator M1 through the screen for setting the information on the stamp card, and transmits the acquired information to the settlement server 10TF (step S41). . For example, the business terminal 200 acquires category information indicating the claimed category of the prize from the information input by the business M1 and transmits the acquired category information to the payment server 10 .

When the settlement server 10TF receives the information about the prize from the operator terminal 200, it identifies the market price and cost of the prize (step S51). For example, the settlement server 10TF has a list in which market prices and costs are associated in advance for each category that classifies a plurality of products that can be prizes. Based on this list, the settlement server 10TF acquires the market price and cost price corresponding to the report category received from the business operator M1. The settlement server 10TF then transmits cost information for notifying the business operator M1 of the acquired market price and cost price to the business operator terminal 200 (step S52).

Here, the outline of the cost information transmitted by the settlement server 10TF will be described. FIG. 19 is a diagram showing an example of cost information according to the modification. As shown in FIG. 19, the cost information includes items such as "category information", "market price", and "cost". The items of "category information" are composed of items of "first category" and items of "second category". These items are associated with information indicating the reporting category received from the business operator M1. The item of "market price" is composed of items of "minimum price" and "maximum price". These items are associated with information indicating market prices of prizes acquired by the payment server 10 based on the first category and the second category. Further, the item "Cost" is associated with information indicating the cost of the prize acquired by the settlement server 10 based on the first category and the second category. Note that the cost information shown in FIG. 19 is an example, and the cost information may be composed of category information and information indicating the cost of the prize, or may be composed only of information indicating the cost of the prize.

When receiving the cost information from the settlement server 10TF, the business terminal 200 displays the received cost information (step S42). For example, the business operator M1 carefully examines the cost of the prize notified from the settlement server 10TF, and if there is no problem, approves the cost (step M2-2). The business operator M1 may receive notification of the cost information from the settlement server 10, reconsider the prize, or submit evidence for requesting correction of the cost of the prize. The business operator terminal 200 transmits, to the settlement server 10TF, approval information for notifying approval of the cost of the prize included in the cost information in accordance with the action of the business operator M1 (step S43).

Upon receiving the approval information from the business operator terminal 200, the payment server 10TF determines the cost of the prize notified to the business operator M1 as the amount to be charged to the store (step S53). Thereafter, similar to the above-described information processing, processes such as examination of submitted data submitted by the business operator M1 are performed between the business operator M1 (business operator terminal 200) and the settlement server 10TF.

[4-2. About payment method]
In the above-described embodiment, an example is shown in which the granting unit 43 grants a stamp based on payment information related to payment realized by the user terminal 100 reading a QR code (registered trademark) installed at a physical store. , the function of the provision unit 43 is not limited to such an example. For example, the granting unit 43 may grant a stamp based on payment information related to payment realized by the shop terminal reading the user identification information displayed on the user terminal 100 .

Further, the granting unit 43 may grant a stamp based on payment information regarding payment to the store in the pre-order service. For example, the granting unit 43 grants a stamp based on payment information related to payment in a pre-order service provided in an application activated within a payment application.

Further, the adding unit 43 may add a stamp based on payment information related to payment (that is, online payment) for a transaction target in an electronic commerce service, not limited to payment for a physical store. For example, the granting unit 43 grants a stamp based on payment information related to payment in an electronic commerce service provided in an application activated within a payment application.

[4-3. Regarding the funds for the benefits]
The source of the privilege provided by the providing unit 44 may be provided by the store or may be provided by the administrator of the settlement server 10 . For example, the providing unit 44 first provides a privilege in which the store bears all of the funds, and depending on the usage status of electronic payment at the store, the administrator of the payment server 10 pays the amount corresponding to at least part of the funds. You may offer benefits that you pay for.

[4-4. Regarding the configuration of the provision processing system 1]
In the above-described embodiment, the payment server 10 included in the provision processing system 1 receives settings related to the stamp card from the store and manages information related to the stamp card owned by the user. The configuration is not limited to such examples. For example, the server that accepts settings regarding the stamp card from the store and the server that manages the information regarding the stamp card owned by the user may be different servers, or may belong to different systems.

[4-5. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes the reception unit 41, the payment processing unit 42, the provision unit 43, the provision unit 44, the notification unit 45, the distribution unit 46, and the calculation unit 47. have

The accepting unit 41 accepts conditions for providing the user with a predetermined benefit related to the store, which is information about a stamp given to an electronic stamp card linked to the store where the user makes a payment. The reception unit 41 receives payment information related to payment for the store and details of a predetermined privilege provided to the user who makes the payment. Further, the reception unit 41 receives the payment amount indicated by the payment information and the information on the price of the privilege indicated by the content of the privilege. The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41 . The granting unit 43 grants a stamp to the computerized stamp card linked to the store based on the payment information. Further, the granting unit 43 grants a stamp according to the payment amount indicated by the payment information. If the stamp given to the stamp card satisfies the conditions, the calculation unit 47 calculates the charge for the store. Further, when the number of stamps provided by the providing unit 43 satisfies a predetermined condition, the calculation unit 47 calculates the charge for the store based on the content of the privilege. Further, the calculation unit 47 calculates a charge amount based on the settlement amount indicated by the settlement information.

As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without issuing a stamp card printed on a predetermined medium by the business operator, and the fan user can can be charged to the company at the timing of acquiring the fan user, the convenience of the user and the company can be improved.

Further, the calculation unit 47 calculates the cost of the privilege as the billing amount. In addition, the calculation unit 47 calculates the price of the privilege as the billing amount. Further, the calculation unit 47 calculates an amount obtained by multiplying the offer price of the privilege by a predetermined ratio as the billing amount. Further, the calculation unit 47 calculates the billing amount when the number of stamps given by the giving unit 43 satisfies a predetermined condition and a predetermined privilege related to the store is provided. Further, when the number of stamps given by the giving unit 43 satisfies a predetermined condition and the user who has been provided with a predetermined privilege related to the store uses the privilege, the calculation unit 47 calculates the billing amount. Further, the calculation unit 47 calculates a billing amount each time a group of given stamps satisfies a condition set for each privilege provided to the user.

As a result, the payment server 10 according to the embodiment can flexibly change the charging amount and the timing of charging according to the type of prize, etc., thereby further improving convenience for users and business operators. .

In addition, the reception unit 41 receives payment information regarding payment for a store, which is payment using a user terminal used by a user. Further, the reception unit 41 receives payment information including store identification information for identifying a store. The granting unit 43 grants a stamp to a stamp card associated with the store identification information among the stamp cards owned by the user. Further, the granting unit 43 grants a stamp to a stamp card associated with a predetermined store group including a store among the stamp cards owned by the user. The providing unit 44 provides the user with information indicating the stamp given by the applying unit 43 . Moreover, the provision part 44 provides a user with the predetermined privilege regarding a shop, when the number of stamps provided by the provision part 43 satisfy|fills a predetermined condition. The notification unit 45 notifies the user of information indicating that the predetermined condition is about to be achieved when the number of stamps required to satisfy the predetermined condition is equal to or less than a predetermined threshold. The distribution unit 46 distributes card information related to electronic stamp cards, which are stamp cards owned by users and which are linked to stores where predetermined payment methods using user terminals are available, to predetermined payment methods. Distribute to users via the provided platform.

As a result, the payment server 10 according to the embodiment can automatically add a stamp according to the electronic payment without the user having to carry around a stamp card printed on a predetermined medium. can improve sexuality.

In addition, in the settlement server 10 according to the embodiment, for example, if the user does not own a stamp card, the granting unit 43 issues a stamp card and grants a stamp. Further, the granting unit 43 grants a stamp according to the total sum of the settlement amount indicated by the history of settlement using the user terminal for the store and the settlement amount indicated by the settlement information. Further, the granting unit 43 also grants a stamp according to the date and time when the payment is made. Also, the granting unit 43 grants a stamp based on the payment information and the user information regarding the user. In addition, the provision unit 43 is a predetermined platform that provides a predetermined payment method using a user terminal, and is a predetermined platform that distributes information about stores where the predetermined payment method can be used. Give a stamp depending on whether or not there is. Further, the granting unit 43 grants stamps to the stamp card according to the number of stamps that have been granted. Moreover, the provision part 43 provides a stamp according to the conditions set by the store.

As a result, the payment server 10 according to the embodiment can flexibly add stamps according to the content of the payment made by the user, information about the user, conditions set by the store, and the like, so that the stamp card can be provided. The convenience of the store can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 receives payment information including transaction object identification information for identifying a transaction object to be settled. Then, when the transaction object identification information indicates a predetermined transaction object, the granting unit 43 imparts a stamp to the stamp card. The reception unit 41 also receives payment information including transaction object identification information read by a store terminal used by the store.

As a result, the settlement server 10 according to the embodiment can give a stamp even when a user purchases a predetermined product, thereby improving the convenience of stores that provide stamp cards.

Further, in the settlement server 10 according to the embodiment, for example, the providing unit 44 provides a benefit according to the number of stamps already given to the stamp card. Further, the providing unit 44 provides the user with a predetermined privilege when the number of stamps given to the stamp card satisfies the conditions set by the store. Further, when the number of stamps given to the stamp card satisfies a predetermined condition, the providing unit 44 provides the user with a privilege set by the store.

As a result, the settlement server 10 according to the embodiment can provide the user with a privilege according to the stamp or a privilege based on the conditions set by the store, thereby improving the convenience of the store that provides the stamp card. be able to.

In addition, in the settlement server 10 according to the embodiment, for example, the notification unit 45 notifies the user of information according to the expiration date set for the stamp already given to the stamp card. In addition, the notification unit 45 notifies the user of information indicating conditions for applying a stamp to the stamp card.

As a result, the settlement server 10 according to the embodiment can make the user think about using the stamp card, so that the stamp card can enhance the effect of inviting the user to visit the store.

In addition, in the settlement server 10 according to the embodiment, for example, the distribution unit 46 determines the priority for distributing card information, based on the priority based on the number of stamps given to the stamp card owned by the user. Distribute card information. Further, the distribution unit 46 distributes the card information based on the priority for distributing the card information, which is based on the expiration date set to the stamp already given to the stamp card owned by the user. In addition, the distribution unit 46 is the priority for distributing card information, based on the positional relationship between the location of the store linked to the stamp card owned by the user and the location of the user. Distribute card information.

As a result, the settlement server 10 according to the embodiment can preferentially distribute useful card information, thereby improving user convenience.

Moreover, the settlement server 10TF according to the modification has a reception unit 41TF and a determination unit 47TF. The reception unit 41TF receives information on prizes, including the price of the prize, provided to the user from the store where the user settles the account. The determination unit 47TF determines the amount to be charged to the store based on the price when the information about the prize satisfies a predetermined condition defined in advance for each prize.

Moreover, the settlement server 10TF according to the modification further includes a providing unit 44TF that can provide a free gift to the user when the information on the free gift satisfies a predetermined condition.

As a result, the payment server 10TF according to the modification uses a scheme of charging the store (member store) an amount based on the information on the price of the premium on condition that the information on the price of the premium provided to the user satisfies a certain condition. Through this, it is possible to charge a different fee for acquiring fan users for each business operator (member store), thereby improving the convenience of the business operator (member store).

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF receives cost information indicating the cost of the prize as information on the price, and the determination unit 47TF, if the cost is within a predetermined numerical range, The cost is determined as the amount charged to the store.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF receives price information indicating the price set for the prize as information on the price, and the determination unit 47TF determines whether the price is within a predetermined numerical range. If so, the amount charged to the store is determined based on the price.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF receives price information indicating the price set for the prize as information on the price, and the determination unit 47TF determines the estimated cost of the prize calculated from the price. If it is within the numerical range of , the estimated price is determined as the amount charged to the store.

In addition, in the settlement server 10TF according to the modified example, the reception unit 41TF further receives category information indicating a category for specifying the prize as information on the prize, and the determination unit 47TF predefines the cost for each category. If it is within the predetermined numerical range, the cost is determined as the amount charged to the store.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF further receives category information indicating a category for specifying the prize as the information on the prize, and the determination unit 47TF predefines the price for each category. If the price falls within a predetermined numerical range, the amount to be charged to the store is determined based on the price.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF further receives category information indicating a category for specifying the prize as information on the prize. The determination unit 47TF determines the estimated cost as the amount to be charged to the store when the estimated cost is within a predetermined numerical range.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF further receives market price information indicating the market price of the prize as information on the prize, and the determination unit 47TF determines the market price for each category corresponding to the prize. If the cost falls within a predetermined price range and the ratio of the cost to the market price falls within a predetermined numerical range that is predetermined for each category corresponding to the prize, the cost will be charged to the store. decide on the amount.

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF further receives market price information indicating the market price of the prize as information on the prize, and the determination unit 47TF determines the market price for each category corresponding to the prize. If it falls within a predetermined price range that is defined in advance, and if the ratio of the price to the market price falls within a predetermined numerical range that is defined in advance for each category corresponding to the prize, the store will sell the product based on this price. determine the amount to be charged for

In addition, in the settlement server 10TF according to the modification, the reception unit 41TF further receives market price information indicating the market price of the prize as information on the prize, and the determination unit 47TF determines the market price for each category corresponding to the prize. If the estimated cost falls within a predetermined price range and the ratio of the estimated cost to the market price falls within a predetermined numerical range that is predetermined for each category corresponding to the prize, the estimated cost is sent to the store. to determine the amount to be charged.

With these schemes, the payment server 10TF according to the modification charges the store (member store) with an amount based on the cost and price of the premium provided to the user on the condition that the cost and price of the premium are appropriate. Through this, it is possible to charge a different fee for acquiring fan users for each business operator (member store), thereby improving the convenience of the business operator (member store). In addition, the settlement server 10TF according to the modification determines whether an item such as a product provided as a premium violates laws such as the Act on Premiums and Misleading Representations through the determination of the market price of the premium declared by the business operator (member store). It can be scrutinized whether it is a suitable article without In addition, the settlement server 10TF according to the modification can easily execute the prize price determination process according to the category (classification) of the prize by classifying the articles provided as prizes into predetermined categories.

In addition, in the settlement server 10TF according to the modification, the category information has a plurality of categories that can narrow down the prizes step by step to a granularity that allows derivation of the cost or price. Accordingly, the settlement server 10TF according to the modification can efficiently perform the process of determining whether or not the cost of the prize is appropriate.

In addition, in the settlement server 10TF according to the modification, the predetermined price range is defined based on the lowest and highest market prices for prizes. As a result, the settlement server 10TF according to the modification can identify fraudulent declaration of the amount relating to the privilege and determine the appropriateness of the amount of the privilege.

In addition, in the settlement server 10TF according to the modified example, the reception unit 41TF provides a privilege according to the number of stamps given to the computerized stamp card linked to the store based on the payment content of the user, Accepts information about prizes offered to users. The determination unit 47TF registers the billing amount in association with the information on the stamp card. As a result, the settlement server 10TF according to the modified example can charge the store (member store) as a commission, for example, an amount equivalent to the cost of the premium or an amount based on the price of the premium, as a benefit of the stamp card. It is possible to charge a different consideration for acquiring fan users for each (affiliate store), thereby improving the convenience of users and business operators (affiliate stores).

In addition, in the settlement server 10TF according to the modified example, the reception unit 41TF provides a privilege according to the number of stamps given to the computerized stamp card linked to the store based on the payment content of the user, To receive information about a gift that can be exchanged for a coupon provided to a user. The determination unit 47TF registers the billing amount in association with the information on the stamp card. As a result, the settlement server 10TF according to the modification uses a scheme that charges the store (member store) with an amount equivalent to the cost of the gift that can be exchanged for the coupon or an amount based on the price of the gift as a commission. Stores) can charge different considerations for acquiring fan users, thereby improving the convenience of users and business operators (member stores).

[6. Hardware configuration]
Also, the settlement server 10 according to the embodiment and the settlement server 10TF according to the modification described above are implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 20 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1200 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

Further, for example, when the computer 1000 functions as the settlement server 10TF, the CPU 1100 of the computer 1000 implements the functions of the control unit 40TF by executing a program loaded on the RAM 1200. The HDD 1400 also stores each data in the storage device of the settlement server 10TF. CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

The above-described payment server 10 and payment server 10TF can be configured flexibly, such as by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the determination unit can be read as determination means or a determination circuit.

1 Provision processing system 10 Settlement server 20 Communication unit 30 Storage unit 31 Account database 32 Stamp card information database 33 User information database 34 Business operator information database 35 Billing information database 40 Control unit 41 Receiving unit 42 Payment processing unit 43 Granting unit 44 Provision Part 45 Notification Part 46 Delivery Part 47 Calculation Part 100 User Terminal 200 Business Operator Terminal

Claims (16)

a reception unit that receives information about a prize, including information about the price of the prize provided to the user , transmitted from a business operator terminal used by a business operator that operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums , the cost is included in a predetermined numerical range based on the cost information indicating the cost of the premium received as the information on the premium. a determination unit that determines the cost to be the amount charged to the store on the condition that the
A providing device characterized by comprising: a reception unit that receives information about a prize, including information about the price of the prize provided to the user, transmitted from a business operator terminal used by a business operator that operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums, the price is included in a predetermined numerical range based on the price information indicating the price of the premium accepted as the information on the premium. a determination unit that determines the price as a billing amount for the store on the condition that the
A providing device characterized by comprising: a providing unit configured to enable provision to the user by setting a stamp card linked to the information about the prize to a distributable state when the information about the prize satisfies the predetermined condition. 3. The providing device according to claim 1 or 2 . The reception unit
further receiving category information indicating a category for specifying the premium as information about the premium,
The decision unit
2. The providing apparatus according to claim 1 , wherein the cost is determined as the amount charged to the store when the cost falls within a predetermined numerical range defined in advance for each category. The reception unit
further receiving category information indicating a category for specifying the premium as information about the premium,
The decision unit
3. The providing apparatus according to claim 2 , wherein when the price is within a predetermined numerical range defined in advance for each of the categories, the billing amount for the store is determined based on the price. . The reception unit
Further receiving market price information indicating a market price of the premium as information about the premium,
The decision unit
The market price is included in a predetermined price range predetermined for each category corresponding to the premium, and the ratio of the cost to the market price is predetermined for each category corresponding to the premium. 5. The provision device according to claim 4 , wherein the cost is determined as the amount charged to the store when the cost is within a predetermined numerical range. The reception unit
Further receiving market price information indicating a market price of the premium as information about the premium,
The decision unit
The market price is included in a predetermined price range previously defined for each category corresponding to the premium, and a ratio of the price to the market price is defined beforehand for each category corresponding to the premium. 6. The providing apparatus according to claim 5 , wherein if the price is within a predetermined numerical range, the billing amount for the store is determined based on the price. The predetermined price range is
8. The providing device according to claim 6 , wherein the price is defined based on the lowest price and the highest price of market prices for the prize. The category information is
A plurality of categories including a first category for broadly classifying the prizes to a granularity from which the cost can be derived and a second category for more detailed classification of the prizes classified by the first category. 7. The providing device according to claim 4 or 6 , comprising: The category information is
a plurality of categories, including a first category for broadly classifying the prizes to a granularity from which the price can be derived, and a second category for more detailed classification of the prizes classified by the first category; have
8. The providing device according to claim 5 or 7, characterized in that: The reception unit
Receiving information about the prize provided to the user as a privilege according to the number of stamps given to the electronic stamp card linked to the store based on the payment details of the user;
The decision unit
The provision device according to any one of claims 1 to 10 , wherein the billing amount stored in a predetermined database is determined in association with the information on the stamp card. The reception unit
It relates to a gift that can be exchanged for a coupon provided to the user as a benefit according to the number of stamps given to the electronic stamp card linked to the store based on the payment details of the user receive information,
The decision unit
The provision device according to any one of claims 1 to 10 , wherein the billing amount stored in a predetermined database is determined in association with the information on the stamp card. A computer-implemented method of providing, comprising:
a receiving step of receiving information about the prize, including information about the price of the prize provided to the user , transmitted from a business operator terminal used by a business operator who operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums , the cost is included in a predetermined numerical range based on the cost information indicating the cost of the premium received as the information on the premium. a determination step of determining the cost to be the amount charged to the store on the condition that the
A provision method characterized by comprising: a reception procedure for receiving information on a prize, including information on the price of the prize provided to the user , transmitted from a business operator terminal used by a business operator who operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums , the cost is included in a predetermined numerical range based on the cost information indicating the cost of the premium received as the information on the premium. A determination procedure for determining the cost to be the amount charged to the store on the condition that the
A provided program characterized by causing a computer to execute A computer-implemented method of providing, comprising:
a receiving step of receiving information about the prize, including information about the price of the prize provided to the user, transmitted from a business operator terminal used by a business operator who operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums, the price is included in a predetermined numerical range based on the price information indicating the price of the premium accepted as the information on the premium. a determination step of determining the price as a billing amount for the store on the condition that the
A provision method characterized by comprising: a reception procedure for receiving information on a prize, including information on the price of the prize provided to the user, transmitted from a business operator terminal used by a business operator who operates a store where the user makes a payment;
When the information on the premium satisfies a predetermined condition defined in advance for each of the premiums, the price is included in a predetermined numerical range based on the price information indicating the price of the premium accepted as the information on the premium. A determination procedure for determining the price to be the amount charged to the store on the condition that the
A provided program characterized by causing a computer to execute

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